New Car Question

[Xplantdad]

<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: njsteve</div><div class="ubbcode-body">&quot;He said the insurance protocal is to replace the pan, start it up and see what happens.&quot;

Really? Have him put that in writing because if they do that and then the engine blows up, the insurance company is going to say the garage did it and the garage is going to say the car came in that way. And then you're going to be stuck in the middle when the insurance company refuses to pay for the repair and declares that the garage's insurance company is responsible.

It's similar to the situation when you get your car towed from a front-end accident, photos are taken at the scene and then the tow truck driver rips off the back bumper dragging the car on the ground. The damage didn't occur as a result of the original accident, it was due to the tow truck driver's actions. You wouldnt believe how often this occurs. </div></div>


Steve nailed it right on the head...Steve's exact scenario above happened to me a year ago with my truck (Steve knows this...as he and I talked about it a few times). My truck was hit in the right rear...but the rest of the truck was fine. But when it got to the repair facility, it had pretty severe front end damage as well.

I ended up paying TWO deductibles because in the eyes of the insurance company...they were two separate claims...the second one...I had nothing to do with at all.

To compound matters, the truck was towed from the scene to a holding lot(police recommendation)...then from the holding lot to the repair facility. Neither tow truck driver filled out the form which shows damage already on the vehicle...so the insurance company (which is SUPPOSED to act on my behalf and litigate to recoup $$) basically told me that they wouldn't pursue either towing company as it wasn't worth their time and effort (but I was welcome to do so at my own expense)...just pay BOTH deductibles...and all is good!

BTW, I had pictures of my truck and the other vehicle 10 seconds after the crash happened...from every conceivable angle...which CLEARLY showed that there was no damage to the front end of my truck


Unbelievable...33 years of paying insurance premiums to the same insurance company (23 with one agent and 10 with another) and no prior accidents or tickets...and the end result was a huge headache!

&quot;Like a good neighbor...State Farm is there&quot;...

Yea right! [img]<<GRAEMLIN_URL>>/bs.gif[/img]


(Sorry Kim)

[miket1]

Tell the insurance adjuster you are not in a hurry to settle the claim, ask them to keep the claim open for at least 30 days so everyone involved will know if more problems show up,the car needs to be driven a while to know for sure that all is repaired,
I have done this before with my insurance co. without any argument.
good luck.